The People’s Bank of China (PBOC) is integrating AI into banking by 2027, enhancing cybersecurity and operational efficiency. This significant shift involves more than 20 banks developing proprietary AI models for fraud detection and customer service optimization.

The AI integration is expected to redefine traditional banking roles, necessitating new training programs and workflows. Banks will evolve internal systems, while regulators will ensure compliance with stringent standards in this fast-paced digital finance landscape.